0% Introductory Rate Credit Cards for Interest-Free Credit Card Purchases

Check out these top 0% introductory rate credit cards to make interest-free credit card purchases during the intro period.

These credit cards are great for financing large purchases or if you need some extra spending power and you plan to carry a balance.

All of these credit cards offer 0% Introductory Rates on Purchases, so you can pay off your purchases interest-free.

Plus, there are No Annual Fees for any of these card offers.

Some of these cards also provide reward programs, so you’ll save extra money and earn additional rewards on your purchases at the same time.

0% APR Purchases Consumer Cards

Check out these 0% APR intro rates on purchases for consumer credit cards, and apply online for these credit cards.


Citi® Diamond Preferred® Card

Apply for the Citi® Diamond Preferred® Card to receive a 0% intro APR on balance transfers and purchases for 18 months* with no annual fee*.

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*

Read this Citi® Diamond Preferred® Card Review for more details on this 0% intro APR offer from Citibank.


Discover it®

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won’t raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you’re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% – 22.99%. A fee of 3% applies for each balance transferred.
  • *Click “Apply” to see rates, rewards, and free FICO® Credit Score terms and other information.

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website. Discover is a paid advertiser of MaximizingMoney.com.


These are some of the best 0% introductory offers that are currently available from top card issuers.

Come back soon for more 0% APR Loan Credit Cards.